Table of Contents v Fact Book Executive Summary...1
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1 Table of Contents 2010 Fact Book Executive Summary...1 CHAPTER 1: ANNUITIES AN OVERVIEW...5 Quick Reference Guide...5 What Is an Annuity?...6 What Role Can Annuities Play in a Comprehensive Retirement Plan?...6 Who Are the Parties to an Annuity Contract?...6 What Types of Annuities Are Available?...7 What Fees and Expenses Are Associated With Annuities?...13 How Are Variable Annuity Sales Charges Structured?...14 How Are Variable Annuity Commissions Determined?...15 How Is the Value of a Variable Annuity Measured?...16 Insurance Company Ratings...16 CHAPTER 2: BUYING ANNUITIES...17 Quick Reference Guide...17 How Are Annuity Products Developed?...18 Who Can Sell Annuities?...18 Where Can Annuities Be Purchased?...18 Key Questions Investors Need To Ask Before Buying an Annuity...19 Tips for Seniors Considering an Annuity Purchase...21 Estate Planning with Annuities...23 CHAPTER 3: SAVING FOR RETIREMENT...25 Quick Reference Guide...25 Getting Started...26 Investment Options...27 Portfolio Allocation...28 Guaranteed Minimum Death Benefit Riders...29 Guaranteed Living Benefit Riders...31 Surrenders...32 Long-Term Care Protection...33 CHAPTER 4: RECEIVING RETIREMENT INCOME...35 Retirement Income Options...35 Annuitizing a Portion of Retirement Assets...37 Types of Annuity Payments...37 Annuity Payment Options...37 Determining Variable Annuity Payments...38 Liquidity Options...39 Taxation of Annuity Payments...39 Table of Contents v
2 CHAPTER 5: TAX-QUALIFIED RETIREMENT PLANS...41 Personal Retirement Savings Plans...41 Defined Benefit Plans...42 Defined Contribution Plans...43 Shift in Retirement Plan Assets...44 The Use of Variable Annuities in Qualified Plans...45 The 2006 Pension Protection Act...46 CHAPTER 6: VARIABLE ANNUITIES 2009 UPDATE...47 Factors Impacting the Variable Annuity Industry...48 Product Trends and Innovations...49 Sales Trends...50 Hedging...52 Summary...53 CHAPTER 7: THE REAL COST OF A VARIABLE ANNUITY 2009 UPDATE...55 CHAPTER 8: FIXED ANNUITIES 2009 UPDATE...59 Sales Trends...62 Factors Impacting the Fixed Annuity Industry...65 Product Trends and Innovations...66 Outlook...68 CHAPTER 9: REGULATION AND TAXATION OF ANNUITIES...69 Regulation by the States...69 Regulation Under the Federal Securities Laws...71 Taxation of Annuities...75 Bills and Proposals to Increase Access to Retirement Plans...79 CHAPTER 10: DEMOGRAPHICS OF A TYPICAL OWNER...81 The Gallup Survey: Background of the Gallup Organization Survey...81 Who Owns Non-Qualified Annuities?...81 What Do Owners of Non-Qualified Annuities Think About Savings?...85 How Do People Buy Annuities?...88 Why Do People Purchase Annuities?...88 What Do Annuity Owners Think About Annuities?...88 Conclusions and Trends...89 Methodology...89 Demographics of a Typical Variable Annuity Owner The Cogent Research Survey...93 Conclusions and Trends...96 IRI Exclusive Research: Boomers Nearing Retirement...96 Executive Summary...97 DATA SECTION...99 GLOSSARY OF TERMS INDEX vi 2010 Annuity Fact Book
3 List of Figures CHAPTER 1: ANNUITIES AN OVERVIEW 1-1 Annuity Industry Total Sales Deferred vs. Immediate (Income) Annuity Industry Total Sales Indexed Annuities Annuity Industry Total Sales Fixed vs. Variable Annuity Industry Total Sales Qualified vs. Non-Qualified Variable Annuity Share Class Distribution...15 CHAPTER 3: SAVING FOR RETIREMENT 3-1 Contribution Limits to Retirement Savings Plans Variable Annuity Net Assets by Asset Class...28 CHAPTER 5: TAX-QUALIFIED RETIREMENT PLANS 5-1 Total U.S. Retirement Plan Assets Total U.S. Retirement Plan Assets CHAPTER 6: VARIABLE ANNUITIES 2009 UPDATE 6-1 Variable Annuity Total Sales and Net Sales Variable Annuity Net Assets Variable Annuity Contracts Variable Annuity Total Sales by Distribution Channel...52 CHAPTER 7: THE REAL COST OF A VARIABLE ANNUITY 2009 UPDATE 7-1 Fees and Expenses Mutual Funds vs. Variable Annuities Average 2009 Expense Analysis by Investment Category...57 CHAPTER 8: FIXED ANNUITIES 2009 UPDATE 8-1 Fixed Annuity Sales: Fixed Annuity Sales by Quarter Fixed Deferred Annuity Net Assets Indexed Annuity Assets and Sales Fixed Annuity Sales by Product Type Fixed Annuity Market Share by Distribution Channel Qualified vs. Non Qualified Sales Fixed Annuity Sales and 5-year Credited/Treasury Rate...66 List of Figures vii
4 CHAPTER 10: DEMOGRAPHICS OF A TYPICAL OWNER 10-1 Gender Level of Education Age at Which First Annuity Was Purchased by Type of Annuity Employment Status of Owners and Their Spouses Occupation of Owners and Spouses Annual Household Income Intended Uses of Annuity Savings by Age Age and Whether Money From Pensions and Retirement Plans Will Cover Retirement Expenses Largest Source of Retirement Income Savings in Other Financial Products by Type of Annuity Cogent Research Study: Who Owns Variable Annuities VA Ownership By Generation Level of Education Household Income Employment Status Distribution Channel Using Variable Annuities for Retirement Income Current and Planned Retirement Income Sources When Will Owners Tap their VAs? Interest in Retirement Products...95 DATA SECTION: TOTAL ANNUITY MARKET 11-1 Annuity Industry Net Assets Annuity Industry Total Sales Annuity Industry Total Sales by Quarter Annuity Industry Net Assets Qualified vs. Non-Qualified Annuity Industry Total Sales Qualified vs. Non-Qualified Annuity Industry Total Sales Deferred vs. Immediate Annuity Industry Total Sales by Distribution Channel DATA SECTION: VARIABLE ANNUITY MARKET 11-8 Variable Annuity Sales and Net Assets Variable Annuity Sales and Net Assets by Quarter Variable Annuity Net Assets Qualified vs. Non-Qualified Variable Annuity Total Sales Qualified vs. Non-Qualified Variable Annuity Total Sales Deferred vs. Immediate Variable Annuity Total Sales by Distribution Channel Variable Annuity Total Sales by Distribution Channel by Quarter Variable Annuity Contracts Variable Annuity Net Assets by Asset Class Variable Annuity Net Assets by Subaccount Investment Category Variable Annuity Total Sales by State Variable Annuity Total Sales by Top 25 Issuers viii 2010 Annuity Fact Book
5 DATA SECTION: FIXED ANNUITY MARKET Fixed Annuity Sales and Net Assets Fixed Annuity Sales and Net Assets by Quarter Fixed Annuity Net Assets Qualified vs. Non-Qualified Fixed Annuity Total Sales Qualified vs. Non-Qualified Fixed Annuity Total Sales Deferred vs. Immediate Fixed Annuity Total Sales by Distribution Channel Fixed Annuity Total Sales by Distribution Channel by Quarter Indexed Annuities List of Figures ix
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